La Fayette, GA · Cert 9245 · Lafayette Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 2.5% share · #10 of 30 inst. · $0.4B of $15.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.74% | 0.98% | 1.02% | 1.05% | 0.84% | 0.92% | 0.93% | -8 bps | |
| Return on Equity | 55.70% | 49.81% | 49.04% | 43.16% | 36.94% | 27.22% | 23.61% | 23.54% | -1,962 bps | |
| Net Interest Margin | 2.23% | 2.25% | 2.40% | 2.51% | 2.57% | 2.54% | 2.27% | 2.32% | -19 bps | |
| Efficiency Ratio | 59.93% | 63.44% | 57.51% | 55.98% | 55.56% | 56.37% | 56.10% | 56.83% | +85 bps | |
| Non-Interest Burden | 1.22% | 1.32% | 1.27% | 1.29% | 1.30% | 1.31% | 1.16% | 1.20% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.33% | 2.65% | 2.57% | 0.08% | 6.22% | 11.72% | 9.87% | 9.76% | +968 bps | |
| Loan Growth (YoY) | 10.68% | 6.52% | 4.55% | 4.21% | 3.07% | 6.62% | 6.37% | 7.38% | +317 bps | |
| Deposit Growth (YoY) | 0.54% | 1.90% | 4.43% | 0.39% | -0.09% | 0.53% | 1.15% | 7.23% | +684 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.96% | 0.82% | 0.84% | 0.90% | 0.91% | 0.85% | 1.19% | 1.44% | +54 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.06% | 0.04% | 0.03% | 0.08% | -0.11% | -0.05% | -9 bps | |
| Allowance / Loans | 0.57% | 0.62% | 0.60% | 0.59% | 0.58% | 0.59% | 0.61% | 0.60% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.7x | 0.7x | 0.6x | 0.7x | 0.5x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.56% | 9.36% | 9.70% | 10.00% | 9.57% | 9.20% | 9.35% | -35 bps | |
| Total Risk-Based Capital | 9.37% | 9.56% | 9.36% | 9.70% | 10.00% | 9.57% | 9.20% | 9.35% | -35 bps | |
| Equity / Assets | 3.16% | 1.58% | 2.42% | 3.04% | 4.29% | 4.01% | 3.81% | 4.06% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.44% | 43.02% | 42.97% | 44.55% | 48.94% | 45.63% | 45.19% | 44.61% | +6 bps | |
| Liquid Assets / Assets | 1.92% | 1.82% | 3.24% | 2.86% | 2.24% | 5.66% | 3.49% | 2.48% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.13% | 72.99% | 76.23% | n/a | n/a | |